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When people tell me they hate Bangkok, I understand. When I first went to Bangkok in 2006, I despised the city and couldn’t wait to get out. It’s not the best tourist city in the world. Outside of shopping and a few temples, there’s not much to do. Plus, it’s dirty and it smells. It wasn’t until I lived in the city that I really fell in love with it. Bangkok is not a city that opens itself up easily, and most people spend just a day or two here before leaving to go to the islands or the jungle. But while as a tourist you may not need tons of time to “see” the city, Bangkok has more than a few days’ worth of temples and activities. Bangkok may not have lot of “tourist attractions” the way that Paris, London, NYC, and Buenos Aires do but that’s OK. Bangkok is not that kind of city – this is a place to wander, eat, and imbibe. It doesn’t have to be a love-it-or-hate-it city but it is worth seeing. Here’s my suggested itinerary for the City of Angels that will have you ticking off the major sites and some of the lesser known ones too:

Start your visit to the city with a tour of the Grand Palace (Royal Palace) and neighboring Wat Pho, home to the famous reclining Buddha and massage school. The Royal family doesn’t live in the palace (it’s only used for official state functions) and you can’t go into any of the buildings, but wandering the grounds and open temples is worth the visit. It’s beautiful and the craftsmanship in the architecture is amazing. Go first thing in the morning to avoid the crowds. Afterwards, wander down the street to Wat Pho and the famous reclining Buddha (as well as the famous Golden Buddha). The Wat Pho complex fills a city block so while seeing the statues doesn’t take long, you could spend a solid hour wandering the maze-like temple grounds. Next, head across the river to Wat Arun (Temple of the Dawn) and get stellar views of the city from atop the temple. It’s my favorite temple in the city because of the view! Note: Be sure to wear clothes that cover your legs and shoulders; it’s considered disrespectful to wear revealing clothes. If you don’t, you can rent pants or shirts at the palace. At Wat Pho, they give them out for free. Take a tour of the Chao Phraya river, a relaxing and beautiful experience that shouldn’t be skipped. Don’t take an overpriced tour, though. You can ride the water taxi up and down the river for around 20 baht (less than $1 USD). Start at the central pier, go to the end, and come back. Presto! Instant tour! (The difference with the official tourist boat, which makes less stops, is that they have someone that gives brief descriptions about important sites as you go.)

You’ve probably heard how paramount blogging/blog is to the success of your marketing. Without it, your SEO will tank, you’ll have nothing to promote in social media, you’ll have no clout with your leads and customers, and you’ll have fewer pages to put those valuable calls-to-action that generate inbound leads. Need I say more?

So why, oh why, does almost every marketer I talk to have a laundry list of excuses for why they can’t consistently blog? Maybe because, unless you’re one of the few people who actually like writing, business blogging kind of stinks. You have to find words, string them together into sentences, and ughhh where do you even start?

Well my friend, the time for excuses is over.

After you read this post, there will be absolutely no reason you can’t blog every single day — and do it quickly. Not only am I about to provide you with a simple blogging formula to follow, but I’m also going to give you free templates for creating five different types of blog posts:

The How-To Post

The List-Based Post

The Curated Collection Post

The SlideShare Presentation Post

The Newsjacking Post

With all this blogging how-to, literally anyone can blog as long as they truly know the subject matter they’re writing about. And since you’re an expert in your industry, there’s no longer any reason you can’t sit down every day and hammer out an excellent blog post.

Step 1: Understand your audience.

Before you start to write, have a clear understanding of your target audience. What do they want to know about? What will resonate with them? This is where creating your buyer personas comes in handy. Consider what you know about your buyer personas and their interests while you’re coming up with a topic for your blog post.

For instance, if your readers are millennials looking to start their own business, you probably don’t need to provide them with information about getting started in social media — most of them already have that down. You might, however, want to give them information about how to adjust their approach to social media from a more casual, personal one to a more business-savvy, networking-focused approach. That kind of tweak is what separates you from blogging about generic stuff to the stuff your audience really wants (and needs) to hear.

Don’t have buyer personas in place for your business? Here are a few resources to help you get started:

Create Buyer Personas for Your Business [Free Template]

Blog Post: How to Create Detailed Buyer Personas for Your Business

MakeMyPersona.com [Free Tool]

Step 2: Start with a topic and working title.

Before you even write anything, you need to pick a topic for your blog post. The topic can be pretty general to start with. For example, if you’re a plumber, you might start out thinking you want to write about leaky faucets. Then you might come up with a few different working titles — in other words, iterations or different ways of approaching that topic to help you focus your writing. For example, you might decide to narrow your topic to “Tools for Fixing Leaky Faucets” or “Common Causes of Leaky Faucets.” A working title is specific and will guide your post so you can start writing.

Let’s take a real post as an example: “How to Choose a Solid Topic for Your Next Blog Post.” Appropriate, right? The topic, in this case, was probably simply “blogging.” Then the working title may have been something like, “The Process for Selecting a Blog Post Topic.” And the final title ended up being “How to Choose a Solid Topic for Your Next Blog Post.”

See that evolution from topic, to working title, to final title? Even though the working title may not end up being the final title (more on that in a moment), it still provides enough information so you can focus your blog post on something more specific than a generic, overwhelming topic.

If you’re having trouble coming up with ideas, check out this blog post from my colleague Ginny Soskey. In this post, Soskey walks through a helpful process for turning one idea into many. Similar to the “leaky faucet” example above, she suggests that you “iterate off old topics to come up with unique and compelling new topics.” This can be done by:

Changing the topic scope

Adjusting the time frame

Choosing a new audience

Taking a positive/negative approach

Introducing a new format

Step 3: Write an intro (and make it captivating).

We’ve written more specifically about writing captivating introductions in the post, “How to Write an Introduction [Quick Tip],” but let’s review, shall we?

First, grab the reader’s attention. If you lose the reader in the first few paragraphs — or even sentences — of the introduction, they will stop reading even before they’ve given your post a fair shake. You can do this in a number of ways: tell a story or a joke, be empathetic, or grip the reader with an interesting fact or statistic.

Then describe the purpose of the post and explain how it will address a problem the reader may be having. This will give the reader a reason to keep reading and give them a connection to how it will help them improve their work/lives. Here’s an example of a post that we think does a good job of attracting a reader’s attention right away:

Step 4: Organize your content.

Sometimes, blog posts can have an overwhelming amount of information — for the reader and the writer. The trick is to organize the info so readers are not intimidated by the length or amount of content. The organization can take multiple forms — sections, lists, tips, whatever’s most appropriate. But it must be organized!

Let’s take a look at the post, “How to Use Snapchat: A Detailed Look Into HubSpot’s Snapchat Strategy.” There is a lot of content in this post, so we broke it into a few different sections using the following headers: How to Setup Your Snapchat Account, Snaps vs. Stories: What’s the Difference?, and How to Use Snapchat for Business. These sections are then separated into sub-sections that to go into more detail and also make the content easier to read.

To complete this step, all you really need to do is outline your post. That way, before you start writing, you know which points you want to cover, and the best order in which to do it. To make things even easier, you can also download and use our free blog post templates, which are pre-organized for five of the most common blog post types. Just fill in the blanks!

Step 5: Write!

The next step — but not the last — is actually writing the content. We couldn’t forget about that, of course.

Now that you have your outline/template, you’re ready to fill in the blanks. Use your outline as a guide and be sure to expand on all of your points as needed. Write about what you already know, and if necessary, do additional research to gather more information, examples, and data to back up your points, providing proper attribution when incorporating external sources. Need help finding accurate and compelling data to use in your post? Check out this roundup of sources — from Pew Research to Google Trends.

If you find you’re having trouble stringing sentences together, you’re not alone. Finding your “flow” can be really challenging for a lot of folks. Luckily, there are a ton of tools you can lean on to help you improve your writing. Here are a few to get you started:

Power Thesaurus: Stuck on a word? Power Thesaurus is a crowdsourced tool that provides users with a ton of alternative word choices from a community of writers.

ZenPen: If you’re having trouble staying focused, check out this distraction-free writing tool. ZenPen creates a minimalist “writing zone” that’s designed to help you get words down without having to fuss with formatting right away.

Cliché Finder: Feeling like your writing might be coming off a little cheesy? Identify instances where you can be more specific using this handy cliché tool.

For a complete list of tools for improving your writing skills, check out this post. And if you’re looking for more direction, the following resources are chock-full of valuable writing advice:

The Marketer’s Pocket Guide to Writing Well [Free Ebook]

How to Write Compelling Copy: 7 Tips for Writing Content That Converts

How to Write With Clarity: 9 Tips for Simplifying Your Message

Your Blog Posts Are Boring: 9 Tips for Making Your Writing More Interesting

Your Blog Posts Are Boring: 9 Tips for Making Your Writing More Interesting

Step 6: Edit/proofread your post, and fix your formatting.

You’re not quite done yet, but you’re close! The editing process is an important part of blogging — don’t overlook it. Ask a grammar-conscious co-worker to copyedit and proofread your post, and consider enlisting the help of The Ultimate Editing Checklist. And if you’re looking to brush up on your own self-editing skills, turn to these helpful posts for some tips and tricks to get you started:

Confessions of a HubSpot Editor: 11 Editing Tips From the Trenches

How to Become a More Efficient Editor: 12 Ways to Speed Up the Editorial Process

10 Simple Edits That’ll Instantly Improve Any Piece of Writing

When you’re ready to check your formatting, keep the following advice in mind …

Featured Image.

Make sure you choose a visually appealing and relevant image for your post. As social networks treat content with images more prominently, visuals are now more responsible than ever for the success of your blog content in social media. In fact, it’s been shown that content with relevant images receives 94% more views than content without relevant images.

For help selecting an image for your post, read “How to Select the Perfect Image for Your Next Blog Post” — and pay close attention to the section about copyright law.

Visual Appearance

No one likes an ugly blog post. And it’s not just pictures that make a post visually appealing — it’s the formatting and organization of the post, too.

In a properly formatted and visually appealing blog post, you’ll notice that header and sub-headers are used to break up large blocks of text — and those headers are styled consistently. Here’s an example of what that looks like:

header-and-sub-headers-blog-posts.png

Also, screenshots should always have a similar, defined border (see screenshot above for example) so they don’t appear as if they’re floating in space. And that style should stay consistent from post to post.

Maintaining this consistency makes your content (and your brand) look more professional, and makes it easier on the eyes.

Topics/Tags/blog

Tags are specific, public-faci/blogng keywords that describe a post. They also allow readers to browse for more content in the same category on your blog. Refrain from adding a laundry list of tags to each post. Instead, put some thought into a tagging strategy. Think of tags as “topics” or “categories,” and choose 10-20 tags that represent all the main topics you want to cover on your blog. Then stick to those.

Step 7: Insert a call-to-action (CTA) at the end.

At the end of every blog post, you should have a CTA that indicates what you want the reader to do next — subscribe to your blog, download an ebook, register for a webinar or event, read a related article, etc. Typically, you think about the CTA being beneficial for the marketer. Your visitors read your blog post, they click on the CTA, and eventually you generate a lead. But the CTA is also a valuable resource for the person reading your content — use your CTAs to offer more content similar to the subject of the post they just finished reading.

In the blog post, “What to Post on Instagram: 18 Photo & Video Ideas to Spark Inspiration,” for instance, readers are given actionable ideas for creating valuable Instagram content. At the end of the post is a CTA referring readers to download a comprehensive guide on how to use Instagram for business:

Instagram_for_Business_CTA

See how that’s a win-win for everyone? Readers who want to learn more have the opportunity to do so, and the business receives a lead they can nurture … who may even become a customer! Learn more about how to choose the right CTA for every blog post in this article. And check out this collection of clever CTAs to inspire your own efforts.

Step 8: Optimize for on-page SEO.

After you finish writing, go back and optimize your post for search.

Don’t obsess over how many keywords to include. If there are opportunities to incorporate keywords you’re targeting, and it won’t impact reader experience, do it. If you can make your URL shorter and more keyword-friendly, go for it. But don’t cram keywords or shoot for some arbitrary keyword density — Google’s smarter than that!

Here’s a little reminder of what you can and should look for:

Meta Description.

Meta descriptions are the descriptions below the post’s page title on Google’s search results pages. They provide searchers with a short summary of the post before clicking into it. They are ideally between 150-160 characters and start with a verb, such as “Learn,” “Read,” or “Discover.” While meta descriptions no longer factor into Google’s keyword ranking algorithm, they do give searchers a snapshot of what they will get by reading the post and can help improve your clickthrough rate from search.

Page Title and Headers

Most blogging software uses your post title as your page title, which is the most important on-page SEO element at your disposal. But if you’ve followed our formula so far, you should already have a working title that will naturally include keywords/phrases your target audience is interested in. Don’t over-complicate your title by trying to fit keywords where they don’t naturally belong. That said, if there are clear opportunities to add keywords you’re targeting to your post title and headers, feel free to take them. Also, try to keep your headlines short — ideally, under 65 characters — so they don’t get truncated in search engine results.

Anchor Text.

Anchor text is the word or words that link to another page — either on your website or on another website. Carefully select which keywords you want to link to other pages on your site, because search engines take that into consideration when ranking your page for certain keywords.

It’s also important to consider which pages you link to. Consider linking to pages that you want to rank well for that keyword. You could end up getting it to rank on Google’s first page of results instead of its second page, and that ain’t small potatoes.

Mobile Optimization.

With mobile devices now accounting for nearly 2 out of every 3 minutes spent online, having a website that is responsive or designed for mobile has become more and more critical. In addition to making sure your website’s visitors (including your blog’s visitors) have the best experience possible, optimizing for mobile will score your website some SEO points.

Back in 2015, Google made a change to its algorithm that now penalizes sites that aren’t mobile optimized. This month (May 2016), Google rolled out their second version of the mobile-friendly algorithm update — creating a sense of urgency for the folks that have yet to update their websites. To make sure your site is getting the maximum SEO benefit possible, check out this free guide: How to Make a Mobile-Friendly Website: SEO Tips for a Post-“Mobilegeddon” World.

Step 9: Pick a catchy title.

Last but not least, it’s time to spruce up that working title of yours. Luckily, we have a simple formula for writing catchy titles that will grab the attention of your reader. Here’s what to consider:

Start with your working title.

As you start to edit your title, keep in mind that it’s important to keep the title accurate and clear.
Then, work on making your title sexy — whether it’s through strong language, alliteration, or another literary tactic.
If you can, optimize for SEO by sneaking some keywords in there (only if it’s natural, though!).
Finally, see if you can shorten it at all. No one likes a long, overwhelming title — and remember, Google prefers 65 characters or fewer before it truncates it on its search engine results pages.
If you’ve mastered the steps above, learn about some way to take your blog posts to the next level in this post. What other steps do you take to refine your blog posts? Don’t forget to download your five free blog post templates right here.

If you want to experiment with body art without permanently altering your skin, a temporary tattoo is the way to go. You can make your own temporary tattoo with just a few household supplies and items from the craft store. Learn three techniques for making temporary tattoos: using an eyeliner pencil, using a stencil, and printing one on paper.

Tattoo Tattoo Tattoo Tattoo Tattoo

Method 1

Eyeliner Tattoo.

1. Design the tattoo. To make a great tattoo, put some thought into its design before you apply it to your skin. Use a regular pencil and paper to sketch out some ideas, keeping the following pointers in mind:

Your eyeliner tattoo will look best with bold, simple strokes. Finer lines and more complicated designs could be more likely to smudge and become unrecognizable. Stick with clear shapes.

Decide how large you want it to be. A bigger tattoo may be more likely to appear to be hand drawn, whereas a smaller tattoo may look more “authentic.” Design your tattoo according to the effect you want to achieve.

2. Go to the drugstore and buy a simple eyeliner pencil, the type that needs to be sharpened. Pick one that isn’t meant to be shiny or oily; a pencil that makes smooth, dry marks will make a longer-lasting smudge-free tattoo.

Jet black eyeliner makes for a striking temporary tattoo, but there’s no reason not to choose more than one color. Try emerald, purple, and sapphire to create your design or add a small accent.

Avoid liquid eyeliner. It’s more difficult to keep this type of eyeliner in place on parts of your body other than your eyelids.

Practice drawing your design with your chosen eyeliner pencils on paper. Get used to the pressure you need to exert to create smooth strokes.

3. Draw the design on your skin with the eyeliner pencil. Take your time and make sure the design is applied exactly how you want it to look. If you don’t like it, you can wash it off and start over.

You can draw your tattoo on any part of your body, but areas without a lot of hair might be easier to work with. Make sure the skin is clean and dry when you draw your design.

Use a cotton swab to blend colors and create shading.

4. Spray the design with hairspray. The same chemicals that help hold your hair in place act as a sealant for the tattoo to keep it from coming off for a few hours. There’s no need to completely soak it; just give the area a light application. You can also use a clear nail polish/topcoat instead of hairspray. The clear nail polish/topcoat can be matte or glossy; it is up to you.

5. Wash it off. This tattoo will last about a day before it begins to smudge. It washes off easily with warm, soapy water. You may want to remove it before going to bed to avoid getting eyeliner on your sheets. If you’re using clear nail polish instead of hairspray, you can peel it off or remove it with nail polish remover.

Method 2

Stencil Tattoo.

1. Make a stencil. You can create professional-looking temporary tattoos by making a stencil, which helps you control the tattoo design rather than relying on your drawing skills to do the job. Decide what shape you want your tattoo to be, draw it on an index card, and cut out the shape using a cutting knife or a pair of small scissors.

Simple, bold shapes are the easiest ones to create with this method. Try diamonds, circles, and other geometric shapes.

For a more detailed tattoo, you can create a stencil based on an existing image. Check out How to Make a Graffiti Stencil for more information on this method.

2. Buy permanent markers. Choose one or more marker colors to use with your stencil. Black is a classic option, and may be the most likely to help your tattoo pass as a real one. Using another color can be just as fun.

Permanent markers contain chemicals that aren’t meant to be used on skin. Look for markers that are labeled as safe for this type of use.

If you’d rather not use permanent markers, washable markers are also fine. The tattoo just won’t last quite as long.

Another good ink choice is stamping ink, which comes on wet stamping pads. To use this type of ink for your tattoo, press a cotton ball onto the ink pad and use it to wipe the ink over the stencil and onto your skin.

3. Apply the tattoo. Place the stencil against the part of your body where you want the tattoo to be. Use one hand to hold it firmly against the skin, so that the cut out shapes are lying flat. Use the other hand to color in the shapes with the markers you chose. When you’re finished, lift the stencil away and allow the marker ink to dry.

Make sure you apply the tattoo to clean, dry skin. Shave the hair in the area for a more even application.

If you have trouble holding the stencil in place, try using tape to affix it to the area. You could also try applying the tattoo to a part of your body with a flatter surface.

4. Remove the tattoo. When you’re finished sporting your temporary tattoo, it can be washed off with warm, soapy water, or you dab a cotton pad in oil and ‘scrub’ your tattoo off.

Method 3

Paper Tattoo.

1. Buy water slide paper. Have you ever bought a temporary tattoo from a quarter machine or the toy store? These temporary tattoos are printed onto water slide paper, a special paper lined with adhesive on one side. The tattoo design is printed with ink on the adhesive.

Water slide paper is available online or in craft stores.

2.Design the tattoo. The sky is the limit when you’re using water slide paper; any shape, color or pattern will print beautifully onto the paper and show up clearly on your skin. Use Photoshop or a similar computer program meant for creating images to come up with a tattoo design.

Decide whether you want the tattoo to be in black and white or color. If you have a color printer, your design can include as many colors as you want.

Choose colors that will show up well against your skin.

Keep in mind that when you apply the tattoo, the image will be reversed on your skin. That means that if your tattoo includes a word, it needs to be reversed in the design, or it will read backwards once you put it on.

3. Print the tattoo. Feed the water slide paper into the paper handler in your printer. Make sure the paper is placed correctly so that the image will be printed onto the adhesive, not the matte paper. Cut out the tattoo with a pair of scissors when you’re finished.

4. Apply the tattoo. Place the tattoo ink-side down on your skin. Cover it with a damp cloth or paper towel. Press down on the cloth or paper towel and hold it in place for 30 seconds. Remove the cloth or paper towel and peel back the paper. The dampening process causes the adhesive to “slide” from the paper to your skin.

Method 4

Sharpie Tattoo.

1. Buy any color Sharpie. Also get some baby powder and hairspray.

2. Draw the tattoo onto your body. Use whatever design you like and place it wherever you want, somewhere easily reachable.

3. Rub the tattoo with baby powder.

4. Apply the hairspray lightly onto the tattoo. Don’t use too much, or your skin will feel extremely dry. If you spray too much by accident, get a cotton swab and dab the area around the tattoo with water.

This teaches you how to suggest that two of your Facebook friends become friends with one another. Since this feature isn’t available for the Facebook mobile app, you’ll need to use a web browser like Chrome or Safari.

Method 1.

Mobile Facebook

1. Open a web browser on your mobile phone. You’ll need to use a web browser to suggest a friend on Facebook, as this feature isn’t supported by the app.

2. Navigate to https://www.facebook.com.

3. Sign into Facebook with your username and password.

If you’re already signed in, you can skip this step.

4. Go to the profile of one of your friends. Suggesting a friend sends the same message to both friends, so you can visit either friends’ profile.

To search for a friend: tap the search icon (magnifying glass) and start typing their name, or tap the Friends icon (two heads)

This teaches you how to suggest that two of your Facebook friends become friends with one another. Since this feature isn’t available for the Facebook mobile app, you’ll need to use a web browser like Chrome or Safari.

If you don’t see this option, this means your friend’s privacy settings do not allow for friend suggestions.

7. Find the friend you want to suggest.

You can scroll down the list until you find the person you want, or you can start typing their name into the “Search Friends” field at the top of the page.

This teaches you how to suggest that two of your Facebook friends become friends with one another. Since this feature isn’t available for the Facebook mobile app, you’ll need to use a web browser like Chrome or Safari.

8.Tap Suggest next to the friend you want to suggest. Both friends will receive invitations to add one another as friends.

Switzerland is known for its impressive banking system, including its legendary privacy policies. It is actually a criminal offense in Switzerland for a banker to reveal private bank information about bank clients, which in the past was a huge perk for anyone wishing to conceal ill-gotten money or valuables. In today’s world, however, concerns about terrorism and smuggling have forced the bank authorities in Switzerland to reject clients whom they believe to be involved in illegal activities. Some Swiss banks are now bank also bank refusing American customers, in general, due to sweeping investigations by the United States Department of Justice. While Swiss banks may not be as exciting as they are depicted in spy movies and action thrillers, they are still extremely well run and impressively private. Each bank has its own steps for setting up an account, but knowing what basic information and documents you will need can help you get started in setting bank up your own Swiss bank account.

Part1.

Choosing a Bank and Service.

1. Learn whether you’re eligible for a Swiss bank account. Many banks, even in Switzerland, must now verify the identity of the account holder and all sources of income. This is to prevent money acquired through illegal activities from being stored in Swiss bank accounts. And due to tax-evasion crackdowns by the US Department of Justice, some Swiss banks are refusing to do business with American clients for fear of legal repercussions. Where you live and what you do for a living could influence whether or not you are eligible for a checking or savings account with a Swiss bank.

Citizens of certain countries are prohibited from opening Swiss bank accounts. This can be for any number of reasons, such as official embargoes (with countries like Russia and Iraq, for example) and other political exclusions.

Regardless of your nationality and bank source(s) of income, your application for a Swiss bank account may be rejected if you are deemed to be a “politically exposed” person – someone who has been involved in a scandal or has a publicly dubious reputation. The bank would be concerned that if that sort of person became a client, he or she might pose too great a risk to the bank’s reputation.

2. Find a bank that meets your needs. There are approximately 400 banks in Switzerland, though two banks in particular – UBS (Union Bank of Switzerland) and Credit Suisse Group – account bank for almost half of all investments in Swiss banks.One of the bank biggest factors in determining which bank to choose is what you’re looking for in a bank. Comparing policies and investment opportunities at a variety of top-rated banks can help you examine the pros and cons of each bank and find one bank that’s right for you.

If privacy is a factor, consider going with a bank that does not have branches in your home country. Most banks are governed by the laws of the nation in which a given branch is located, not by the laws of the head office’s nation.

Be aware that unless a bank has earned a status of qualified intermediary (QI), that bank may have to report the owner of an account and all money received from the United States to the IRS, if the account holder is a US citizen.

3. Choose an account type. There are many different types of bank accounts available through Swiss banks. Certain bank accounts require a minimum amount for the initial deposit, a minimum account balance, and other qualifying factors.Compare the requirements for each type of account you’re interested in opening to find one that will work best for your financial needs.

Some banks require customers to use Swiss francs (CHF). Others permit the use of US dollars, euros, and other forms of currency from around the world. Check with the bank you wish to do business with to see what form(s) of currency they accept if exchanging into other currencies is a concern for you.

One of the most secretive accounts is what is known as a numbered account. These accounts are not, strictly speaking, “secret” or “anonymous” accounts. Certain high-level bank employees will know the identity of the account holder(s), but these accounts still offer some degree of privacy, as numbered accounts require the bank to use only the account number in any and all correspondence regarding the account. However, these accounts tend to have a number of restrictions, and maintaining a numbered account may come with annual fees of up to 2,000 Swiss Francs.

It is worth noting that some Swiss banks are reluctant to offer general savings accounts for foreign citizens. Instead, Swiss banks focus on providing foreign citizens with investment opportunities and wealth management specialties.

Part2

Opening an Investment Account

1.Visit a bank branch or representative office. Customers interested in opening a Swiss bank account must visit an operational bank branch, either in person or through a representative. If sending a representative, that representative will have to provide documentation for both himself and the person he represents. Due to strict banking guidelines, bank accounts cannot be opened online, as there is currently no way to verify the potential client’s identity or source(s) of income online.

Certain banks may allow you to complete this process by mail. A photocopy of your official, government-issued passport would have to be certified by an approved institution and sent to the bank you wish to do business with.

2. Provide the necessary documentation. Like most banks around the world, Swiss banks are required to verify the identity and source of income of customers who wish to open a new account. For this reason, most banks require potential clients to meet in person with a bank representative to complete the verification process.

Customers may be required to provide a valid passport as a means of identification.

Bank representatives may ask for documentation to verify the origin of income. For example, bank representatives may request a copy of a contract proving that a house was sold to acquire the money in question, or receipts from securities sales, or a verifying statement from a bank you’ve done business with in the past.

Banks may verify the listed address of a potential customer by sending some type of correspondence through the mail.

3.Fill out the necessary paperwork. As with any other bank account, there are forms and application materials that potential customers must fill out. Due to the security of Swiss banks and the international pressure to account for tax evasion efforts, however, the paperwork process can be bank quite lengthy. One Swiss bank expert reported that there can be upwards of 100 pages of paperwork required for a foreign investor to open a Swiss bank account.

4.Meet the minimum investment requirements. Each bank has different requirements on the minimum deposit/investment an individual must make. Sometimes various types of bank accounts within the same bank may have drastically different requirements. Some banks (and account types) have minimum deposit/investment sums ranging in the millions of dollars.

new clients unless that client is willing to invest a minimum of CHF 250,000 ($265,896.64 in US dollars, or 230,704.37 Euros). However, some banks, including UBS and Credit Suisse, will accept investments below CHF 50,000 ($53,179.33 US dollars, or 46,140.87 Euros). Check with the bank you’re interested in investing with to learn more about their minimum requirements.

Part3

Opening a Personal Account.

1.Visit a bank branch or representative office. Anyone new to Switzerland who hopes to open a bank account there will need to meet with a bank representative. It’s best to make these arrangements and get a bank account set up as quickly as possible. It may be helpful to visit a Swiss bank branch bank before you close out your old bank account from the country you’re leaving, if at all possible. Some expatriates may have a difficult time securing their housing without a bank account, yet they may also have a difficult time opening a bank account without an address.

Potential customers living outside of Switzerland who wish to open a Swiss bank account but cannot visit a branch in person may be able to request an application package by mail. Documents provided by the potential customer will need to be authenticated, either by a notary, an employee of the Swiss bank, or an employee of a correspondent bank that the Swiss bank is willing to work with.

2. Get assigned an account manager. Most Swiss banks assign a personal account manager to work with each customer, and it’s important to remember who your account manager is for all future bank transactions. Ask for your account manager’s contact information, including his email address and direct phone line at the bank.

Bank branches in major cities tend to have at least one account manager who speaks a foreign language, including English. Otherwise an account manager will most likely be fluent in one of Switzerland’s four major languages: German, French, Italian, or Romansh. If you know you will require an account manager who speaks a language other than the major languages of Switzerland, it’s best to call ahead and make the necessary arrangements.

3.Provide the necessary documentation. Like most banks and financial institutions around the world, new customers wishing to open a personal account will need to provide documentation that proves the customer’s identity and source(s) of income.

New customers will be asked to verify their identity and address. If your identification card does not reflect your local Swiss address, you may need to provide a signed copy of your lease.

Some banks will require a new customer to verify his professional status. Banks may also require new customers to show any relevant work contracts and tax returns as part of the employment verification process. Showing proof of employment helps banks know that the money being deposited into an account has not come from illegal activities.

4. Learn cantonal requirements. There are over 20 Swiss banks that are cantonal, meaning they only do business with residents of the canton in which each bank is located. If you open a personal account with a cantonal bank and move to a different canton, you may be asked to transfer your account to a corresponding canton. This should not be a problem for customers who open accounts with Swiss national banks.

5. Expect to pay charges and fees. Most Swiss banks charge a monthly maintenance fee for personal accounts, and may charge additional fees for a credit card or Carte Maestro (debit card).

Monthly fees for personal accounts tend to range anywhere from 10 to 30 Swiss Francs (CHF), though customers can usually have these fees reduced or waived by switching to electronic banking statements, taking out a mortgage with the bank, or depositing a sizable amount of money into that account.

Credit cards and Carte Maestros tend to bank have annual fees that range up to 3 Swiss Francs.

Part 4.

Accessing Money in a Swiss Bank Account.

1. Learn your tax requirements. This is particularly important for US citizens opening Swiss bank accounts, though it may apply to other countries as well. US citizens, regardless of their choice in bank accounts, are required to:

file Form 1040, Schedule B, Part III, declaring that you are opening a foreign bank account.

file Form TD F 90-22.1 by June 30th of each year to inform bank the IRS of the location of any foreign accounts that were in excess of $10,000 at any point during the previous year.

2. Request a Carte Maestro. A Carte Maestro is essentially a debit card that is issued by your bank. It can be used to withdraw cash or complete purchases in most shops, though merchants in smaller towns and villages may have cash-only policies of bank.

3.Request a credit card. Many Swiss banks can issue credit cards to interested customers. However, customers may be required to provide the bank with a security deposit, bank bank bank bank typically one to bank bank bank two times the maximum monthly credit limit, to deter customers from ringing up delinquent charges. The deposit will be returned to the customer upon the credit card’s cancellation, provided that the customer has paid off any charges that were made using that card.

4. Use traveller’s checks. Traveller’s checks do not always offer the best exchange rate, but they can be invaluable for overseas customers, as bank they can be easily replaced if lost or stolen. Additionally, traveller’s checks allow customers concerned with scurity to conduct business and make transactions without compromising the privacy of their bank accounts.

Investors with private Swiss bank accounts may wish to avoid getting a debit card or checkbook if privacy is an issue. Any time you write a check or use a debit card, it creates a traceable path back to your bank account. If you’re trying to maintain a secret account, being issued a debit card or checkbook is an easy way to get caught.

5. Close your account with confidence. If for bank any reason you need to close your account or collect on your investment(s), most Swiss banks allow you to do so without any restrictions or fees.This gives many customers confidence, knowing that investments are available in case of an emergency.

If you’d like to serve a delicious and beautiful flatbread, make lachha paratha. This Northern Indian flatbread is made with whole wheat flour, salt, and ghee. Since it doesn’t contain any leaveners, you’ll need to roll the basic dough into circles. Fold each circle into long pleats and then roll the pleats into a bun. The rolled pleats will create a detailed swirl that separates into layers. Roll each bun out to a circle and fry them on a hot griddle or skillet until they brown. Serve the parathas with your favorite curry or biryani.

2. Knead in the water. Fill a small jug with water and add 1 to 2 tablespoons of the water to the dough mixture. Use a wooden spoon or firm spatula to stir the dough. Continue stirring in a few tablespoons of water at a time until the dough comes together and becomes soft.

Avoid adding too much water or the dough will become sticky and difficult to work with.

The amount of water you’ll need depends on your flour and the humidity in your kitchen.

3. Rest the dough for 20 to 25 minutes. Spray a sheet of plastic wrap with cooking spray and place it over the bowl with the paratha dough. The greased side should be facing down towards the dough. Set the dough aside for 20 to 25 minutes to rest.

Part2

Rolling the Lachha Parathas.

1. Divide the dough into 7 pieces. Remove the plastic wrap from the bowl and scoop the dough onto your work surface. Divide the dough into 7 even pieces. You can use luchha a knife or bench scraper to cut the dough into equal-sized pieces or use a digital scale to portion out the pieces.

2.Roll the dough pieces into circles. Sprinkle your work surface with extra whole wheat flour and set one of the dough pieces on it. Use a rolling pin to roll the dough into an 8-inch (20 cm) circle. Roll out each piece of dough into a circle.

You may need to add extra flour to your work surface if the dough begins to stick.

3. Brush the circles with ghee and sprinkle them with flour. Melt 7 teaspoons (33 g) of the ghee. Dip a pastry brush in the ghee and spread about 1 teaspoon (4 g) across each lachha circle of dough. Sprinkle some extra whole wheat flour over each of the coated circles.

4. Fold the circle of dough like a fan. Start at one end of the circle and fold the dough over about 1/2-inch (12 mm). Hold the folded part of the dough and fold it underneath the circle about 1/2-inch (12 mm). Keep doing this across the circle so you end up with pleated dough as though you were folding a fan.

Try to press the folds together gently so they don’t come unfolded.

5. Swing the pleated dough. Pick up both ends of the pleated dough with both of your hands so the dough hangs between them. Gently twists your wrists while you hold the dough. This should make the paratha dough swing a little which will make it stretch.

Stretching the dough a little will make more rings in your paratha.

6. Roll the pleated dough into a circle and seal it. Place the pleated paratha circles back on your work surface. Hold one end of the paratha dough in place and take the long strip of pleated dough in the other hand. Twist the long end around the end that you’re holding in place. This should make a circle (as though you’re rolling a Swiss roll). Press the end of the dough to the circle to form a seal. Repeat this for each circle of paratha dough you folded.

You can seal the end to the side of the dough or tuck it underneath near the center of the dough.

7. Roll the paratha dough into circles. Sprinkle your work surface with more whole wheat flour. Set the folded circles of paratha dough on the work space. Use a rolling pin to roll each one out to a 6-inch (15 cm) circle.

You may need to sprinkle more whole wheat flour to the surface or your rolling pin if the dough sticks.

Part 3.

Cooking the Lachha Parathas.

1.Heat a skillet. Set a nonstick skillet or tava on your stove. Turn the heat on to medium. Allow the skillet to fully heat before you add your paratha.

2. Brush the parathas with more ghee. Melt another 7 teaspoons (33 g) of ghee. Dip the pastry brush in the ghee and brush some over each paratha circle. Turn the parathas over and brush the other side with ghee.

3. Cook the paratha until they’re slightly brown. Place one paratha in the heated skillet or tava. Cook the paratha for about 5 to 10 seconds. Use tongs to carefully flip it over and cook it for 10 to 15 seconds on the other side. Keep turning and cooking the paratha until both sides are lightly golden brown. This should take less than a full minute for each paratha. Serve the lachha parathas while they’re warm.

Store leftover parathas at room temperature for up to one day. You could also store them in an airtight container in the refrigerator for 2 to 3 days.

Love can seem beautiful and terrifying at the same time. Figuring out your feelings for someone is often one of the most intimidating parts of falling in love. To know if you love someone, take a step back and view your relationship objectively. Evaluate how this person affects your emotions and your actions. Compare these observations to what you know about infatuation, lust, and love to determine what your current feelings really are.

Method1

Evaluating Your Emotions.

1.Retrace how your emotions developed. Think back to when you first met your crush. Try to recall if you still feel the same or if your feelings have grown since then. What’s commonly called “love at first sight” is actually infatuation because it’s a sudden physical attraction. Love, on the other hand, increases over time from mere attraction to something deeper.

2. Make a list of pros and cons. Think about what you like and don’t like about your crush. Seeing your reasons on paper might help you to better assess your feelings.Noting their drawbacks will toss a little cold water on your passions and let you think a little clearer about what it is that you do like. Make each side as long as you can. Don’t worry about how major or trivial each pro or con is. Write down everything that comes to mind. You could include:

Pros: good-looking, kind, someone I can talk to

Cons: disorganized, immature at times, can be needy

3. Evaluate your list. Analyze your pros and cons in terms of whether you’re looking at reality or an idealized image of your crush. Circle or highlight which pros intensify your feelings and which cons don’t affect how you feel. Evaluate whether those reasons are trivial or significant. If you can’t accept the whole person—flaws and all—you’re not in love.

For example, you might be in love if you overlook their messiness because you’re too busy appreciating their generosity or engaging conversations.

On the other hand, you might not be in love if the sight of them makes feel warm and fuzzy, but you can’t imagine a future with them.

4. Check for empathy. Pay attention to whether you share their happiness or sadness when they tell you good or bad news. For example, if you start to tear up when your crush tearfully tells you their grandmother died, you’re feeling their pain. This is a good sign that you’re in love.

5. Evaluate how you feel when they’re not around. Ask yourself whether you mean it when you say, “I miss you.” Take note of whether there are times when you can’t wait to get away from them. If you truly want them to be around all or most of the time, it’s probably love. If you find yourself eagerly planning your “me” time when you’re together, it’s just infatuation.

6. Analyze your future plans. Imagine your life in five or ten years. Consider the impact of career changes, children, and relocations. Consider whether you’re willing to face minor and life-threatening illnesses with this person. Think about taking care of them—or them taking care of you—as you grow old. If you can imagine a long-term future with this person, it’s probably love.

7. Consider whether this person has changed you. This doesn’t mean you’ve done a complete 180 on your personality. Rather, reflect on whether you’ve expanded your horizons as a result of your crush. For example, maybe you never considered spending your weekend planting trees before your crush asked you to join them on a reforesting project. Now that you’ve done it, you feel this newfound connection with nature, and you owe it all to them. If you feel like this person has changed you for the better, it could be love.

9. Think about the “green-eyed monster.” Notice how you feel when your crush talks to your potential rivals. Make a note of how you feel when those potential rivals flirt with your crush. You should also consider whether you suspect your crush might lose interest in you as a result of the flirtation. Periodic jealousy is actually a healthy reaction that can make you want to hang on to someone a bit tighter. In fact, you could be in love if you feel it.

On the other hand, if you’re suspicious and feel the urge to spy on your crush, it’s not love. At least it’s not healthy love. It’s likely gone beyond infatuation into ‘obsession’.

Method 2.

Evaluating Your Actions of love.

1. Take a little break. When you’re with other people, split up and mingle. Try your best to stay engaged in the conversation. If you find yourself zoning out and looking around for your crush, the potential for love is there. If you catch them stealing a glance at you, the feeling might be mutual.

2. Note your physical reactions. Consider involuntary responses when you’re around your crush. Look out for rapid heart rate, hot flashes, shaky hands, and sweaty palms. Notice whether you suddenly clam up out of fear of what to say. Reactions like these signal lust and infatuation, not love.

3. Evaluate your generosity. Consider how often you share your possessions with this person (or how prepared you are to do so). Imagine they want to borrow that rare vinyl album you just bought at auction. If you share or are willing to share, it could be love.

4. Consider how often you make sacrifices. This doesn’t mean giving up your career plans or letting your crush take advantage of you. It does mean giving a little to brighten their day. Think about the last time this person was sick. If you canceled your weekend binge-watching to take care of them, you could be in love. On the other hand, if your first reaction was to complain, it’s infatuation at best.

5. Pay attention to mirroring. Love makes you feel comfortable. In relaxed situations, you’re likely to imitate the other person’s actions, even if you’re not aware of it. Make a mental note if you catch yourself taking a sip of coffee almost at the exact same time they do. It’s not a surefire sign of love, but it increases the likelihood.

6. Evaluate your responses to their successes. This is especially important when your crush succeeds at something you’ve failed at. For example, they were awarded the promotion you were vying for. If your first reaction is to throw a party, you’re likely in love. On the other hand, if you mumble a disappointed “That’s nice” and avoid them the rest of the day, it’s just infatuation.

7. Consider your larger social circle. Think about the number of friends and family members you’ve introduced this person to (or want to introduce them to). Ask yourself how important it is that they like this person. If you’ve introduced them to your best friend(s) and closest family members, and if you really want them to like this person, you could be in love.

Nowadays, Twitter has become one of the best platforms for social twitter media advertising. There are millions of users around the globe that use this famed application everyday. Companies and organizations have been taking advantage of this platform to promote and create awareness for their causes of twitter account. this account is very helpful.

Part 1.

Create the Twitter Account.

2. Create an account for your twitter organization. On the homepage, enter your full name, email address, and preferred password on the given fields.

3. Choose a Username for your organization. Make sure the username reflects your organization; keep it short and simple so others will easily notice it. After that, click on “Create My Account” at the bottom of the screen.

4. Confirm your account. Twitter will send you a confirmation email, so check your email and look for the verification email from Twitter. Once you open it, simply click on the link provided and voila! Your account has been verified twitter account.

5. Acc

Part 2.

Manage the Account.

1.Customize your profile. Click on your organization’s username at the top right of the Twitter homepage. Click on “Settings” and when you are in, click on “Profile.

2. Upload an image. Here, you can put your logo or an image that will perfectly represent the cause of your organization. Add a 140-character bio for your organization.

3.Customize the theme. You can choose from the wide array of themes that Twitter offers or you can upload your own so your organization will be better represented.

Go back to the Settings page and then click on the Design tab just under the settings icon.

4. Choose your first few followers. Twitter will prompt you to search for followers. Look for some of your regular customers or other organizations that you think twitter will help you spread awareness for your cause. You can also follow some of your friends to help spread awareness about your organization.

5. Start tweeting! Send out your first tweet and interact with the whole Twitter community. Click on “Compose tweet” on the left side of the homepage and tweet your message, twitter then hit enter.